As per my personal experience, there are some possible ways to lower your car insurance.
- Do the maintenance of car by your own
- Use bike for short distances
- Rent your car out when you are not using it
- Drive less and lower your annual mileage
- Request every possible discount
There are some tips to lower the car insurance but moving on without car insurance isn’t a good idea at all. So having insurance for your car is compulsory in USA. Anyhow, you can lower your insurance by following the above tips.
There are insurance policies to cover a wide range of events, most are overlooked for example a trip insurance will be ignored by many families that go out on camping trips where anything can happen, many people don’t also know how much can be saved when they are on the best dental insurance coverage, considering the high costs of dental care.
I think it is good to have a car insurance because it can help you in many different ways in US as you can never predict about the accident because accidents mostly happens suddenly and you can never predict that your car is always safe on the roads. So, in such cases car insurance helps you in several ways. Many damages exist when driving without car insurance.
There are several consequences if you are driving without car insurance. There are different excuses given by people for not maintaining valid life insurance policies. Some people say that they are not able to afford insurance premiums especially in cases requiring insurance due to high risk factors, while some give excuses that they forgot about the insurance. For ignoring this responsibility, there are personal and legal penalties.
It is illegal to drive without the car insurance. Driver will have to pay a fine in case of any accident or if pulled over by police.
Driving without car insurance is a crime in USA. In such cases license or uninsured car’s registrations can be suspended or driver can also be arrested.
If an uninsured driver is involved in an accident and they are guilty, the driver will be liable for any repairs or replacement of their own car and the driver will also have to pay for the repairing of any other vehicle damaged in the accident.
So, driving without insurance is a serious crime as well as it is risky too. It is understandable that some people cannot afford car insurance but the cost of being caught without insurance will be greater than the annual cost of having insurance.